Unified reconciliation
Every file from Visa, Mastercard, ACH, and the processor is parsed, matched, and signed off automatically.
Finance ยท Card Ops & Settlement
Card Processing Automation & Settlement
Network batch files, issuer ledgers, and processor events reconcile themselves while disputes and adjustments move through a fully-audited lane.
Batch ingestion to certified ledger write in under 15 minutes.
- Close acceleration
- -2 days
- Dispute prep time
- -65%
- Exposure visibility
- Intraday
Card settlement close moves from weekly to near-real time.
Evidence packets compose themselves with network artifact pulls.
Treasury sees live settlement deltas, not next-day exports.
Evidence-ready disputes
Chargeback packages with receipts, call logs, and policy notes are compiled without analyst hunting.
Instant GL posting
Balanced entries flow straight into ERP + subledgers with controls enforced.
Workflow blueprint
How Layi moves tickets from intake to resolution
Every phase stitches data, policy, and people into a reliable loop. Supervisors only step in when the system has already done the prep work.
Phase 1
Batch Ingestion & Matching
Network, issuer, and processor files land, normalize, and reconcile within minutes.
Processor SFTPIssuer ledgerNetwork alerts
File normalization
Decrypts and validates batch layouts, then maps them into a canonical settlement model.
Automations
File parserChecksum validation
Outputs
Canonical batch recordsParsing log
Automated matching
Matches transactions across issuer core, processor, and network data plus flags variances.
Automations
Reconciliation engineVariance scoring
Outputs
Matched recordsException queue
Ledger staging
Prepares balanced journal entries grouped by bank, program, and day.
Automations
Ledger rule mapping
Outputs
Journal batchApproval packet
Phase 2
Dispute & Exception Handling
High-risk mismatches and chargebacks move through evidence, approval, and execution automatically.
CRM dispute queueChargeback portalCompliance log
Evidence compilation
Pulls receipts, call recordings, and device data for each dispute, tagging missing artifacts.
Automations
Evidence fetchersPII redaction
Outputs
Evidence packetGap checklist
Decision recommendations
Suggests concede/represent decisions with policy and historical context.
Automations
Policy engineHistorical outcome model
Outputs
RecommendationRisk score
Execution + updates
Submits representments, issues credits, and pushes state changes to customers + finance systems.
Automations
Chargeback API callCustomer comms
Outputs
Portal confirmationCustomer update
Phase 3
Close & Reporting
Validated entries hit the GL, dashboards refresh, and compliance packages compile automatically.
Treasury consoleERPBI warehouse
GL posting + approvals
Finance reviews the ready batch, approves, and Layi posts to the ERP with source links.
Automations
Approval workflowERP integration
Outputs
Posted journalAudit file
Exposure reporting
Generates exposure, settlement status, and bank funding reports with drill-through.
Automations
BI refreshAlert feeds
Outputs
Treasury dashboardVariance alerts
Compliance archive
Bundles audit-ready evidence and retains it per retention rules.
Automations
Archive serviceRetention policy enforcement
Outputs
Signed archiveRetention log
Approval guardrails
Decisions still route through accountable owners. Layi merely prepares the packet and enforces the guardrails.
Large write-off
ControllerCredits or write-offs above threshold capture finance leadership approval with ledger impact preview.
Chargeback escalation
Compliance officerHigh-value disputes route to compliance/legal for review before submission.
Ledger unlock
CFO delegatePosting to restricted periods requires CFO or delegate approval inside the workflow.
Operations telemetry
Executives receive a live model of the workflow so staffing, QA, and product feedback stay in lockstep.
Exposure window
Live treasury board.Shows outstanding settlement amounts, bank funding status, and FX impact.
Dispute aging
Slack/Email digests plus in-app alerts.Highlights disputes approaching network deadlines for prioritized action.
Compliance events
Immutable audit feed + export.Logs every ledger adjustment with evidence for SOX and card network audits.